FINANCIAL CONDITION AND RESULTS OF OPERATIONS

   ITEM 3.    QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT     24
              MARKET RISK

   ITEM 4T.   CONTROLS AND PROCEDURES                            24

PART II -     OTHER INFORMATION                                  24

   ITEM 1.    LEGAL PROCEEDINGS                                  24

    ITEM 1A.  RISK FACTORS                                       24

   ITEM 2.    UNREGISTERED SALES OF EQUITY SECURITIES AND USE    24
              OF PROCEEDS

   ITEM 3.    DEFAULTS UPON SENIOR SECURITIES                    24

   ITEM 4.    SUBMISSION OF MATTERS TO A VOTE OF SECURITY        24
              HOLDERS

   ITEM 5.    OTHER INFORMATION                                  25

   ITEM 6.    EXHIBITS                                           25

SIGNATURES                                                       26

EXHIBIT INDEX                                                    27